World Council of Credit Unions
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Financial Inclusion


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World Council's PEARLS monitoring system is the only software of its kind to combine a powerful relational database with an internationally proven methodology for improving operational efficiency.

PEARLS provides credit union managers with concise, easy-to-read reports that reveal institutional weaknesses and trends. It also offers a strategic business planning tool to help managers implement change.

The PEARLS monitoring system includes:

  • Monitoring tool with PEARLS financial ratios
  • Ranking tool for comparing credit unions
  • Business planning tool to create strategic plans that help improve performance
  • Customizable labels that can be adapted to suit local language requirements
  • User guides and manuals

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